6. Fee Structure

Flow aims for zero-surprise costs. Here’s a full breakdown of every fee on the platform:

Action	Who Pays	Where It Goes	Typical Rate
Loan‑opening fee	Borrower	70 % to FLOW stakers, 30 % to liquidity providers	1 % of borrowed amount
Borrow interest	Borrower	90 % to liquidity providers, 10 % to protocol reserve	Dynamic (utilisation‑based)
Protocol fee on interest	Borrower	100 % to FLOW stakers	20 % of interest owed
Liquidation fee	Borrower (only if liquidated)	70 % to FLOW stakers, 30 % to liquidity providers	15 % of repaid debt value
Network (Cardano) fees	Everyone	Cardano validators	≈ 0.17 – 0.25 ADA per tx

No deposit or withdrawal fee—you can supply or redeem tokens at any time for just the standard Cardano tx cost.

Note: All fee percentages and allocations may be adjusted in future governance updates.*